Your Independent, Full Service Insurance Agency

John Dawson Associates is an independent, full service insurance agency offering auto, health, business, life and group insurance coverage.

Founded in 1958, we’ve built our reputation on stable, long term relationships with our clients, some of whom have been with us for more than four decades. Our clients don’t have to worry about their coverage, because we’re constantly looking out for them, making sure their insurance policies fit their unique needs.

What does our independence mean for you?

We value your independence. Unlike “captive” agents, who are owned by a specific insurance company and ‘direct writers’ who sell only what the telephone script dictates, we can custom design your coverage because we work for you. As a local, family-owned business, we understand your needs, and the needs of our community.

Personal Lines Education

Ridesharing - Uber or Lyft -- Does my insurance cover me?

With ridesharing services like Uber and Lyft, now anyone with a smartphone can become a driver for hire where, instead of flagging down the car like a passing taxi, customers use a mobile app to request and pay for a ride. But here’s the catch. Since many of the drivers who work for ridesharing companies do not have a livery driver’s license and their cars are neither registered nor insured as commercial vehicles, it creates an insurance gap, or a period of time when they are underinsured and taking on more financial risk. Companies like Uber and Lyft are called a Transportation Network Company (TNC) and there are different coverage periods for these drivers. If you drive for a TNC, make sure you know the three distinct coverage periods and the insurance coverage you need at each time.

Business Lines Education

CYBER COVERAGE --- Does your business need cyber coverage?

The simple answer is yes. If you have a computer—or even just do business with someone who has a computer—you, your business and your information are at risk. And the consequences can be severe. Sixty percent of small businesses close within six months of a data breach. For small and medium-sized businesses, cyber coverage might seem unnecessary. But data breaches aren’t just for big retailers. While those large-scale attacks generate headlines, most cyberattacks target businesses with less than 250 employees. And if you think your business liability insurance has got you covered, think again. Standard business liability insurance typically doesn’t cover cyber liability, and with new threats emerging rapidly in the digital world, cyber liability will likely remain separate from business liability.